As a blogger, I've been researching whether mortgage rates are negotiable or not. It turns out that they are indeed negotiable, mainly because lenders have some flexibility in setting the rates. This means that, as borrowers, we can try to negotiate for better terms. The key to negotiating is having a good credit score, shopping around for the best rates, and being prepared to walk away if the terms aren't favorable. Remember, it's always worth trying to negotiate for a lower rate, as even a slight reduction can save you thousands of dollars over the life of your mortgage.